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Metropolitan Bank Holding
(NYSE:MCB)
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Rating:69Neutral
Price Target:
$102.00
â–²(12.05% Upside)
Action:Downgraded
Date:07/31/26
The score is driven primarily by solid underlying financial quality (stronger capitalization/deleveraging and good cash conversion) and a constructive earnings outlook (reiterated loan growth guidance and expected NIM/NII expansion). These positives are tempered by recent fundamental pressure (TTM revenue decline and margin compression) and weaker near-term technicals (trading below the 20/50-day averages), while valuation is supportive with a moderate P/E and modest yield.
Positive Factors
Balance Sheet Strength
Conservatively levered balance sheet (TTM debt/equity ~0.04; equity grew to $968M) provides a durable capital buffer and funding flexibility. This reduces solvency risk, supports regulatory ratios, and enables sustained lending, buybacks and dividends over the medium term.
Negative Factors
Revenue Decline & Margin Pressure
A sharp TTM revenue decline (-22.6%) and compressed operating margin (TTM EBIT ~12.2% vs prior ~19–34%) weaken earnings durability. Persistent top-line pressure would erode operating leverage, limit reinvestment and constrain the bank's ability to sustainably improve returns on equity.
Read all positive and negative factors
Positive Factors
Negative Factors
Balance Sheet Strength
Conservatively levered balance sheet (TTM debt/equity ~0.04; equity grew to $968M) provides a durable capital buffer and funding flexibility. This reduces solvency risk, supports regulatory ratios, and enables sustained lending, buybacks and dividends over the medium term.
Read all positive factors
Metropolitan Bank Holding (MCB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.15B
Dividend Yield1.03%
Average Volume (3M)85.05K
Price to Earnings (P/E)11.6
Beta (1Y)1.06
Revenue Growth10.54%
EPS Growth28.24%
CountryUS
Employees326
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)8.00
Shares Outstanding12,394,797
10 Day Avg. Volume92,841
30 Day Avg. Volume85,050
Financial Highlights & Ratios
PEG Ratio0.90
Price to Book (P/B)1.09
Price to Sales (P/S)1.53
P/FCF Ratio9.82
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$105.00Price Target Upside15.35% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)9.94
Revenue Forecast (FY)$379.98M
Metropolitan Bank Holding Business Overview & Revenue Model
Company Description
Metropolitan Bank Holding Corp. acts as the parent organization for Metropolitan Commercial Bank, which provides a wide array of business, commercial, and personal banking offerings. This institution serves a diverse clientele, including small and...
How the Company Makes Money
MCB primarily makes money through net interest income and noninterest income. Net interest income is earned by collecting interest on loans and other interest-earning assets and paying interest on deposits and other funding sources; the spread bet...
Metropolitan Bank Holding Earnings Call Summary
Earnings Call Date:Jul 21, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:Oct 15, 2026
Earnings Call Sentiment Positive
The call conveyed a predominantly positive view of the franchise: strong loan growth, a robust $1.0B pipeline, high-yield originations, clear NIM expansion plans and targeted strategic investments (AI and payments) expected to drive revenue and deposits in 2027. Offsetting near-term headwinds included several discrete legacy credit charge-offs/settlements, one-time legal and operational expenses, and deposit seasonality/competition that pressured quarter-end metrics. Management framed the credit issues as isolated and emphasized confidence in normalization and recoveries (expects $7.5M–$10M of recoveries by year-end) and reiterated guidance for funding loan growth with deposits and achieving higher NIM and net interest income growth for the year.Positive Updates
Strong Loan Growth and Pipeline
Loan book increased ~$282M in Q2 and ~$518M year-to-date; full-year growth guidance of $1.0B remains achievable. Current loan pipeline ~ $1.0B with >$625M in signed term sheets and >$375M in term sheets out for signature.
Negative Updates
Discrete Credit Issues and Charge-Offs
Several legacy/isolated asset-quality matters impacted Q2 results: $10M charge-off related to a window & door manufacturer (remaining $16M term loan outstanding); $4M charge-off tied to a high-net-worth client; resolution of previously reserved multifamily matter led to charging off the prior specific reserve (previously $20M reserve established in 3Q25). Management views these as discrete but they reduced earnings this quarter.
Read all updates
Q2-2026 Updates
Positive
Negative
Strong Loan Growth and Pipeline
Loan book increased ~$282M in Q2 and ~$518M year-to-date; full-year growth guidance of $1.0B remains achievable. Current loan pipeline ~ $1.0B with >$625M in signed term sheets and >$375M in term sheets out for signature.
Read all positive updates
Company Guidance
Management reiterated full‑year 2026 guidance for about $1.0 billion of loan growth (YTD $518M; Q2 growth $282M; loan pipeline ~$1.0B with >$625M signed term sheets and >$375M out for signature), expecting to fund that growth with deposits (deposits flat Q/Q, spot deposit cost down ~4 bps; muni seasonality ~$200M outflow to be recouped, muni growth ~$100M, EB‑5/HOA/title/escrow +$200M combined; intentionally offloaded a $100M high‑cost treasury relationship). NIM was 4.08% reported (normalized >4.15% adjusting for ~ $750M excess cash); management expects Q3 NIM north of 4.15% and to press toward ~4.20% in Q4, with at least 20% net interest income growth for the year and new loan coupons generally >7% (Q2 originations/draws ~$847M at a 7.03% WAC; deferred fees add ~25 bps), while payoffs/paydowns were ~$525M at a 7.75% WAC. OpEx was $51.8M in Q2 (up $5.4M Q/Q, including ~$3.3M of one‑time items such as a $1.8M legal accrual); management expects a near‑term OpEx run‑rate of about $48.5M/quarter. Strategic investments include a $3.4M payments platform spend in 2026 (live testing end‑Q3, go‑to‑market Q4, ROI early 2027), AI buildout (4 FTEs now, +3 hires planned, goal to be fully AI‑enabled in 24 months with ROI quantified by year‑end), expected recoveries of $7.5M–$10M by year‑end, and an exit ROTCE goal in the low‑teens by 4Q27.Metropolitan Bank Holding Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
78
Positive
Cash Flow
73
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 419.54M | 527.15M | 492.21M | 403.31M | 287.33M | 196.98M |
| Gross Profit | 192.55M | 277.51M | 270.66M | 238.46M | 245.63M | 176.88M |
| EBITDA | 45.99M | 90.46M | 85.67M | 114.06M | 106.61M | 94.63M |
| Net Income | 86.63M | 71.10M | 66.69M | 77.27M | 59.42M | 60.55M |
Balance Sheet | ||||||
| Total Assets | 8.86B | 8.26B | 7.30B | 7.07B | 6.27B | 7.12B |
| Cash, Cash Equivalents and Short-Term Investments | 10.25M | 944.64M | 267.16M | 269.46M | 257.42M | 2.93B |
| Total Debt | 36.56M | 10.97M | 457.44M | 546.59M | 257.73M | 57.17M |
| Total Liabilities | 7.89B | 7.51B | 6.57B | 6.41B | 5.69B | 6.56B |
| Stockholders Equity | 968.17M | 743.11M | 729.83M | 659.02M | 575.90M | 556.99M |
Cash Flow | ||||||
| Free Cash Flow | 152.03M | 82.42M | 145.83M | 36.68M | 66.65M | 33.28M |
| Operating Cash Flow | 161.82M | 88.68M | 148.46M | 42.43M | 85.89M | 37.28M |
| Investing Cash Flow | -1.21B | -762.96M | -369.61M | -775.45M | -1.23B | -1.30B |
| Financing Cash Flow | 1.42B | 867.60M | 151.96M | 745.07M | -958.47M | 2.76B |
Metropolitan Bank Holding Technical Analysis
Neutral
91.03
Price Trends
94.37
Negative
90.40
Positive
85.01
Positive
Market Momentum
-0.69
Positive
45.78
Neutral
71.72
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MCB, the sentiment is Neutral. The current price of 91.03 is below the 20-day moving average (MA) of 94.45, below the 50-day MA of 94.37, and above the 200-day MA of 85.01, indicating a neutral trend. The MACD of -0.69 indicates Positive momentum. The RSI at 45.78 is Neutral, neither overbought nor oversold. The STOCH value of 71.72 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for MCB.
Metropolitan Bank Holding Risk Analysis
Metropolitan Bank Holding disclosed 37 risk factors in its most recent earnings report. Metropolitan Bank Holding reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Metropolitan Bank Holding Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
86 Outperform | $1.48B | 13.03 | 14.12% | 1.25% | 9.56% | 12.20% | |
76 Outperform | $1.03B | 12.55 | 14.00% | 2.92% | 5.05% | 39.76% | |
75 Outperform | $1.30B | 15.32 | 11.40% | 2.64% | 13.29% | -4.08% | |
70 Outperform | $1.05B | -129.95 | 4.64% | 1.43% | 10.89% | -58.49% | |
69 Neutral | $1.15B | 11.56 | 10.22% | 0.82% | 10.54% | 28.24% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $1.05B | -6.47 | -20.76% | 3.19% | -72.31% | -366.87% |
* Financial Sector Average
MCB
Metropolitan Bank Holding
92.85
25.67
38.21%
CPF
Central Pacific Financial
39.27
13.74
53.81%
HBNC
Horizon Bancorp
20.48
6.00
41.40%
EQBK
Equity Bancshares
51.22
15.24
42.34%
AMAL
Amalgamated Bank
50.15
23.09
85.36%
HBT
HBT Financial
36.25
12.89
55.17%
Metropolitan Bank Holding Corporate Events
Business Operations and StrategyStock BuybackDividendsFinancial Disclosures
Metropolitan Bank Holding boosts dividend, share repurchases
Positive
Jul 21, 2026
Metropolitan Bank Holding Corp. reported second-quarter 2026 net income of $19.2 million, or $1.54 per diluted share, down from $31.4 million in the prior quarter but slightly above the year-earlier period, as earnings strength was tempered by a $...
Dividends
Metropolitan Bank Holding Raises Quarterly Dividend Payout
Positive
Jul 20, 2026
On July 20, 2026, Metropolitan Bank Holding Corp.’s board of directors declared a quarterly cash dividend of $0.35 per share on the company’s common stock, marking a $0.10 increase from the prior quarterly dividend of $0.25 per share. ...
Business Operations and StrategyStock Buyback
Metropolitan Bank Launches New $50 Million Share Buyback
Positive
Jun 22, 2026
On June 19, 2026, Metropolitan Bank Holding Corp.’s board authorized a new share repurchase program allowing the company to buy back up to $50 million of its common stock, replacing a prior authorization from July 17, 2025. The program, fund...
Business Operations and StrategyExecutive/Board Changes
Metropolitan Bank Announces Board Retirement and Governance Changes
Neutral
Jun 8, 2026
On June 6, 2026, Metropolitan Bank Holding Corp. announced that William Reinhardt retired from the board of directors of both the holding company and its wholly owned subsidiary, Metropolitan Commercial Bank, with his departure effective immediate...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.